Make on-time payments every month. Simple.
All your payments are reported to all 3 Bureaus: Equifax, Transunion, Experian.
Get a new Secured Credit Card with lower APR.
1. Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score. Products and services subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.
When you join Bright and start a Premium Membership you will be charged a recurring fee of $8-14 (depending on plan duration). Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership terms and conditions.The product images shown are for illustration purposes only.
# Based on Appstore and Google Play store ratings as on March 2024.